Archive for the ‘Determining Insurance Needs’ Category
Life Change Events
TweetDuring any transition, it’s important to know what steps to take regarding your benefit plan. Plan for life’s changes with the following information. Adoption Death Getting Married Having a Baby Separation / Divorce
An individual with chronic health problems
TweetIf you or a family member are expecting significant medical expenses for the future, the plan with the least amount of out-of-pocket costs may be the best choice — presuming the provider selection is acceptable. Since individuals who receive frequent medical care often have established
An individual with a dependent living away from home
TweetMany managed care plans provide only emergency care for a student away from home. Even some plans with providers in the area where the dependent lives will not allow the dependent to access those providers. Since all family members must enroll in the same type
Spouse has other coverage
TweetAn employee who must decide whether to take coverage from his/her employer or from a spouse’s employer often bases his/her decision on the types of coverage available and the costs of the alternative plans. For example: If one employer offers managed care plans and the
A Family with Young Children
TweetFor families with young children, the most common expenses are pediatric visits and immunizations. These visits are typically frequent, so it may be more cost effective to choose a managed care program with a low copayment for office visits — as long as the provider
Young Single Employee
TweetYoung people often do not have established physician relationships, so for you the restricted provider list of a managed care plan may not be a concern. If you’re healthy, you may be better off choosing the lowest cost plan available — as long as you can afford
Determining Your Insurance Needs
TweetOnly you can determine what will be the best for yourself and your family. The following highlights will get you started on the decision making process. How do you determing what type of coverage is best? Think about your lifestyle. Who are you? Single, married,
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